Current - Mobile Banking

Current brings everyday banking, paycheck access, savings, and credit-building tools together in one mobile app. With more than 6 million members, the platform is designed to give users greater flexibility over their money, from getting paid early to building savings and managing everyday spending.

Eligible members can access a range of features that can make managing finances more convenient, including paycheck advances, fee-free overdraft options, early direct deposit, credit-building tools, and cashback opportunities.

What You Can Do With Current

• Access eligible paycheck advances of up to $750
• Receive qualifying direct deposits up to two days early
• Use fee-free overdraft protection when eligible
• Build credit through eligible Current products
• Earn cashback on qualifying purchases with the Build Card
• Get access to 24/7 member support
• Use more than 40,000 participating fee-free ATMs nationwide
• Add cash at participating retail locations
• Build savings with automatic Round-Ups
• Earn eligible bonuses on savings

Get Paid Earlier

Current can give eligible users earlier access to qualifying direct deposits. Instead of waiting for the traditional payday processing schedule, funds may become available once the employer or other payer sends the deposit electronically.

Access Your Paycheck When You Need It

Eligible Current members may also have access to Paycheck Advance, allowing them to access a portion of an upcoming paycheck before their regular payday. The amount available can vary by customer and eligibility requirements, with advances of up to $750 advertised for qualifying users.

Fee-Free Overdraft Options

Current offers an overdraft feature for eligible members that can help cover certain transactions when an account balance is not sufficient. Qualification depends on factors such as eligible direct deposits and other requirements, and the available overdraft amount can vary.

Build Credit While Banking

Current also includes tools designed to help eligible members build credit while using the platform for everyday financial activity. The Build Card can provide another way to manage purchases while working toward establishing or strengthening a credit history.

Earn Cashback on Eligible Purchases

With the Current Build Card, eligible customers can earn rewards on qualifying purchases. Cashback opportunities can include selected categories such as groceries and dining, while eligibility and specific earning requirements apply.

Save Money Automatically

Current provides savings features designed to make putting money aside easier. Round-Ups can automatically move spare change from qualifying purchases into savings, while eligible members may also receive savings bonuses under the applicable program terms.

Convenient Access to Cash

Members can access cash through participating ATMs across the United States. Current lists more than 40,000 fee-free ATM locations, with availability depending on the specific ATM network and account conditions.

Users can also add cash to their accounts at participating retail locations, including selected stores and businesses such as CVS, Walgreens, and McDonald's.

24/7 Member Support

Current provides around-the-clock member support through its platform, giving users a way to get assistance with account-related questions and everyday banking features.

One App for Everyday Money Management

Current combines several financial tools in one mobile experience. From accessing paychecks and managing spending to saving automatically and working toward better credit, the app is designed to give members more control over their everyday finances.

Feature availability, eligibility requirements, fees, rewards, and account terms can vary. Current is a financial technology company rather than an FDIC-insured bank, while banking services are provided by partner banks that are members of the FDIC.